FYI, in fact, our income dropped by $30,000, due to COVID, retirees did not have to take their RMD. Hence the large refund.

We did not wait until the last day to pay our taxes, just to file them. We are retirees and pay our taxes quarterly. We keep detailed records of everything, nev...

Thank you for your reply. That's exactly what it is. It's news to me that you can be penalized even though my refund is close to $4,000. I obviously paid enough...